Basic Questions
Bill Payment
Security
Hardware & Software
Internet Issues
Getting Help

Basic Questions
	What is Online Banking?
	Online Banking is a service that provides secure access to your Manasquan Savings Bank deposit accounts via the Internet. You can access your accounts from your PC, any time day or night. Check your balance, verify cleared deposits or checks, move funds from one account to another...you can even pay bills. Why not try a demonstration!
	What kind of bank account do I need to use Online Banking?
	All you need is a Manasquan Savings Bank deposit account. However, in order to use the Bill Payment option, you will need a Manasquan Savings Bank checking account.
	How do I get started?
	If you already have a deposit account with us, you can apply for Online Banking by clicking on Sign Up Now. Simply complete, print, sign and return the application to Manasquan Savings Bank or drop it off at any branch location. To open a deposit account so you can get online, visit any branch location. Please remember, you will need a checking account in order to use the Bill Payment service.
	How soon can I start using Online Banking?
	Once your application has been processed, you will receive a temporary user name and password within 5 to 7 days. You can then start using the service immediately. You will be prompted to change your password the first time you sign on.
	How much does Online Banking cost?
	Online Banking and Online Bill Payment are FREE of charge.
	Can I access my account from both home and work?
	Yes, with your user name and password, you can access your accounts from any computer that supports Secure Socket Layer (SSL) traffic over a 128-bit encrypted browser. SSL allows you to send and receive encrypted (encoded) transactions over the Internet. Microsoft Explorer and Netscape Navigator support 128-bit encryption.
	What if I open a new Manasquan Savings Bank account after I'm set up for Online Banking?
	Your new deposit accounts will automatically be linked to Online Banking.
	Is there a maximum number of daily transactions my Online Banking account will process?
	No, you can use your account as much as you like. You can review transactions from your current and previous statements as well.
	Can I use Online Banking with my business account?
	Yes, you can access your business deposit accounts with Online Banking.
	How do I use my checking account with Online Banking?
	You can view your account activity and using the Bill Payment option to pay your bills.
	How do I deposit money into my account?
	You can mail deposits to us at Manasquan Savings Bank, P.O. Box E, Manasquan, NJ 08736. You can also have a deposit wired or transferred electronically as an ACH to your account, once your account has been opened. For your convenience, we recommend that you have your paycheck, pension or social security check directly deposited into your account. Of course, you can always make a deposit at any of our branch locations.
	How much transaction history can I view?
	You can view your most recent statement, plus all the transactions posted since then.
	Can I transfer money between different banks?
	You can only transfer money among your Manasquan Savings Bank checking, savings, loan or Money Market accounts.
	Do I have access to my account via telephone if I'm not at my computer?
	Yes, you can call our automated Telephone Information and Transfer Line 24 hours a day, seven days a week to inquire about your accounts. Simply call 732-223-0733.
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Online Banking Bill Payment
	How does Bill Payment work?
	The Bill Payment option allows you to pay bills from your Manasquan Savings Bank checking account. Bill Payment eliminates the time-consuming process of writing checks, addressing envelopes and applying stamps. First, you'll create a list of payees, either businesses or individuals by entering the information requested on the "Add New Payee" screen. You must complete the entire "Add New Payee" screen, otherwise you will receive an error message. After you have entered the payees you intend to pay, you must then provide instructions for their payment. Clicking on the Pay Bills button brings up the "Select Bills to Pay" screen. Enter the appropriate transmit date and payment amount in the fields shown for the bills you wish to pay. Since all of the payees you have set up for the Bill Payment service will be displayed, payments will only be made to payees with dollar amounts other than $0.00 in the "Amount" field. When you first start paying bills using our bill payment service, we suggest you schedule all your payments in advance of their respective due dates. As a general guideline, allow at least ten business days from the payment transmit for your initial payment to be received by each new payee. Allow at least five business days between the transmit date for subsequent payments to be received by each payee. Anytime you like, you can enter your payee list, highlight who you want to pay and enter the amount. In addition, you can choose between making one-time payments set for a future date or recurring payments, such as mortgage and insurance. All payments must be scheduled for a business day. In order for a payment instruction to be considered received on a specific date, it must be received prior to 2:30 p.m. local time. Payment instructions received on weekends or holidays will be considered received on the next business day.
	Who can I pay with the Bill Payment option?
	You can pay just about anyone, both businesses and individuals - anyone to whom you would normally mail a check.* Sending a payment with Manasquan Savings Bank's Online Banking is no different than writing a check from your checkbook. *The primary exceptions are taxing entities such as the IRS and court-ordered payments. Also, please note that all payees must have a U.S. address.
	What if the person I'm sending a bill pay to doesn't accept electronic payments?
	The bank has assumed responsibility for you. If the merchant or individual doesn't accept electronic payments, we will cut a check and mail it at no cost to you.
	Why is there a lag of a few days from the time payment is scheduled until the payment arrives?
	We work with a company called Princeton.Ecom to provide back-end processing of our checks. The "lag time" is for them to determine whether or not the merchant accepts electronic payment, and print and mail checks to those who don't. Don't try to schedule a payment on a bill that's due tomorrow.
	Can I use the Bill Pay service to pay recurring bills automatically?
	Yes, Manasquan Savings Bank's bill payment service can automatically create and send a payment to a payee at the frequency you specify. Simply enter the payee, payment amount, frequency of payment, and number of payments to be made. The bill payment service will automatically send the number of payments you have specified unless you stop the automatic payment.
	Can I cancel a bill payment or recurring payment once it is initiated?
	You can stop bill payment or recurring payment by deleting the payment from the Pending Payment list up until 2:30 p.m. local time on the day before the day of the transmission of the payment or by deselecting automatic payments for that payee.
	What are Pending Payments?
	Pending Payments are payments you have scheduled which have not yet been sent to a payee. A pending payment can be edited or deleted until it has been transmitted to the payee.
	What should I do if a payee has not posted my payment?
	You should allow at least 5 business days for a payee to receive your payment. If a payee does not post your payment within 5 business days after your scheduled payment date, call the payee directly or you can contact us at info@manasquanbank.com. We are prepared to receive and address your comments within 24 hours. You can also call your local branch. Please provide the payee's name, payment date and amount, and payee telephone number.
	What is Quick Pay?
	The Quick Pay feature allows you to enter a new payee, assign it a category and initiate payment all within one screen. This feature is ideal for one-time payments. When using the Quick Pay function, it is recommended that you allow at least 5 business days, after the transmit date, for the payee to receive and process your payment.
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Security
	Is Online Banking secure?
	With the use of encryption, firewalls and trusted operating systems incorporated into our overall banking architecture, secure and authentic transactions take place over the Internet.
	Can anyone else view my account information?
	The key to ensure that your information remains private is your personal password, used in conjunction with your user name. Do not share your password with anyone. Keep your account information secure. Always exit your Online Banking session before moving to other Internet sites. Finally, notify Manasquan Savings Bank immediately if you notice any unusual activity.
	What should I do if I forget my password?
	When you choose your password, it is immediately encrypted for your protection and no one knows it but you, not even Manasquan Savings Bank. If you forget your password, call your local branch during business hours and we will mail you a new, temporary password. You will be prompted to change your password the first time you use it.
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Hardware & Software
	How is Manasquan Savings Bank's Online Banking different from PC banking with Quicken® or Microsoft® Managing Your Money?
	Online (Internet) banking means: No software is needed (beyond your browser), nor is any data stored on your PC's hard drive. Account access is possible from anywhere you can use an Internet-connected device. The bank and the bank's software are one and the same. When new features are added, they are done by the bank. As a customer, you don't have to do anything except log in. PC banking means: Special software is needed. You are restricted to the computer where the application is installed. You are dealing with two entities: the bank and the software company. Your data resides on the local hard drive and is vulnerable to hardware/software failures. Please note that you can download account information from your online banking accounts and import it into Quicken® or Microsoft® software.
	What hardware do I need to access Online Banking?
	You will need a 486-based or greater IBM-compatible computer with at least 8MB of available RAM, or a comparable Macintosh computer. You'll also need a modem. We recommend at least a 28.8 baud rate for quicker response time.
	Do I need software?
	Online Banking is provided through the Internet, so the only special software you need is your Internet browser.
	Why do I need a secure browser to bank with Manasquan Savings Bank?
	In order to use Online Banking, your web browser must support SSL (Secure Socket Layer) protocol. SSL allows you to send and receive encrypted (encoded) transactions over the Internet.
	Why does Online Banking only support 128-bit encryption?
	We want to protect your privacy. This powerful encryption meets the most stringent security standards in the banking industry.
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Internet Issues
	Does Manasquan Savings Bank use cookies?
	Manasquan Savings Bank only uses cookies on its secured Online Banking site. A cookie is a piece of data "handed" to your browser. It is used to keep track of your session data on our Online Banking site. It basically tells our system that you've already logged in as a valid user. Without cookie data, you would have to log in every time you wanted to move to another page. When you hit the Exit button to leave the Online Banking site, the cookie data is flushed from your system. We do not use cookies on our website. Newer versions of Netscape have a feature that allows you to be notified if a cookie is handed to your system. The notification can be disabled in the Network Preferences/Protocols area.
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Getting Help
	Who do I call for help?
	You can call your local branch during regular business hours. If you prefer, you can send us an e-mail at info@manasquanbank.com. When sending e-mail messages, please keep in mind that e-mail is not secure. Therefore, when sending us a message, do not include any sensitive information such as account numbers, balances, passwords, etc. By providing us with your name, mailing address, phone number and a general description of your question, we can review your account activity and will respond to you by phone or e-mail. If you don't have access to your computer and you would still like to retrieve information about your accounts, call our Telephone Information and Transfer Line 24 hours a day, seven days a week at 732-223-0733.
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